Herb Kay's S.O.S. System
  April 26, 2010
  "I'm Herb Kay and the most important thing to know about me is that I'm not going to lie to you or pull your chain. Ever. In my S.O.S. Guides, I give you, well, guidance, in a straight-talking and step-by-step way. The website offers the "advice side" of my system. Here, in my blog, I'm going to dig a little deeper and get a little grittier. That's the opinion side of my system. Will I say something that might shock you? Maybe. Will I ruffle some feathers? Perhaps. Will you close the page with some food for thought? Absolutely."

The Herb Kay Way is the straight forward, never-mince-words way. Check out Herb's latest blog on your money, your career, your debt, the economy and the world we live in.
 
When Downsizing is a Powerful Tool
Can We Address the Important Issues?
Just a Sentence or Two.....
A Dose of Reality
Getting Involved and Taking a Stand
Study Up on Your Loans
Drop Back Ten and Punt!
Who Can you Depend On?
Some Sobering News About the Economy
Grab a Beer and Take the Slide Home......
Another Loophole, Another Lesson
What is Your Core Conversation?
Loyalty and Leadership
The Argument for Being a Grownup
The 'Business' of Complaints
Electricity in the Air......
Taking a Hard Look at the Figures
A Public Life
My "Advice" to You
Perspective vs. History
Worried Sick!
It's About the Kids!
Gooooooooaaaallll?
Where Will the Money Come From?
Immigration Arguments: Debunked!
Blame Policy, Not Banks
Happy Birthday America!
Crony Capitalism
G8/20 and What That Means For You!
Our Economy and the Free Market
Building a Bubble?
"Fixing" Our Problems
The $20 Billion SNAFU
A Screaming Deal!
Action Breeds Success!
It's Going to Take Some Effort!
Getting Our Lives Back
For Better or Worse......... I Prefer Better
The Pressure to be President.......
This Great Nation......
Financial Reform - Ha...what a joke!
Municipal Bonds are a thing of the Past!
Feeling Good!
Moving Forward
The Signs Are All Around Us
It's a Grim Diagnosis
Oh, the Pressure.....
The Big Fat Greek Fallout
It's Getting Ugly......
Perfection is a Myth
Be Different
Moving on While Moving Ahead
An Immigration Abomination
I've Got a Question.......
Logic vs. The Logistics of Inflation
The Free Market - Greed at its Very Best
Informed on Inflation
Don't Fix What Isn't Broken
Harnessing Energy - The Herb Kay Way
Staying Ahead of the Curve
What Trade Deficit?
Greek to Me
There's a Bridge in Brooklyn......
Problems That Don't Exist
Don't Invest in Mediocrity
The Fed's Mutually Exclusive Roles
Deadly Serious
Election Year Scapegoats
"Willfully Insane"
Balancing your Beliefs - How Our Political Convictions Influence the Debate Over the Economy
Let's Reward the Renters
Don't Plug the Hole.......Replace the Bucket!
Europe's Safety Net
The Collapse of the System
Apple Makes a Lemon
Pot, Capitalism & The Free Market
Who is Your Banker?
Real Estate? Now is NOT the Time!
Grading on a Curve
When the Inflation Stars Align
When Foolishness Goes International....
The Recovery?
The Competitive Advantage of Reaganomics
What Wednesday Brings.....
Stopping The Addiction
Signing On The Dotted Line
Be Optimistic - Not Foolish
The Real Story
Selling Your House (and your credit) Short!
The Entitlement State
It's Anyone's Guess
Ask, And You Just Might Receive
Crazy Like A Fox!
It's Only Tuesday!
Spending Some Time - Cutting Spending
There's No Such Thing As Easy Money!
What Exactly is Responsible Borrowing?
Just Bite The Bullet
With Change Comes Turmoil
Q & A......The Herb Kay Way!
Wanna Bet? Gamble on Inflation!
A Lesson on Education
Two Different Beasts: Why Price Does Not Equal Wealth
For this Party - Three's a Crowd
Good Luck With All of That!
Dear Mr. Bank President:
It's Not That Simple
Raising the Stakes
State of The Union: The Herb Kay Way!
Capital Gains - Your Pains!
Cooking the Books
What's in a Name?
Questionable Choices: Healthcare Reform
And the Person of the Year Is......
A History Lesson
Goverment's Stimulus Fairytale
Let's Hope I'm Wrong
Fake Money = Real Problems
Collectors Lie
35 Million Americans Can't Be Wrong
Simple Truths, Simple Lies
Lending and The Federal Reserve: Why Making Banks Rich Again Will be Bad for the Economy
Are You Health Care Aware?
Have Good Credit? With New Legislation in the Works, the Question is, Who Cares?
Healthcare and the President
Tips for Choosing a Bank and the Right Bank Account
 
An Immigration Abomination
 

Arizona, my home state, passed the strictest illegal immigrant enforcement in the country last week.  Immediately, the news wires and talking heads (not to mention politicians all the way up to President Obama) went crazy in response.  I know that I am often critical of the president, but this time he is right.  This bill is an abomination.

Now, I am the first to say it would be great to control illegal immigration in the United States and enforce the laws already on the books, but it is just not going to happen.  You need only look at a map to see the thousands of miles of borders along both Mexico and Canada to see that it is impossible.  To say otherwise is just silly.  And turning policemen into INS officers stopping potential illegal immigrants, when they are already overmatched fighting robbery and homicide, is just as dumb.

There are some very popular myths surrounding illegal immigrants, in particular those that are Latino, that we need to discuss first before I propose my solution:

1.  They commit a huge amount of crime.  Nope, that is just not true.  Illegal immigrants commit about as many crimes as any other person in the US, no more and no less.

2.  They clog up emergency rooms.  Nope again; mostly they just suffer silently for fear of being picked up by the INS.  That said, they do seek treatment when they are on death's door, but my solution covers that so just hold on a minute.

3.  They use welfare benefits.  Well, that's true only in states dumb enough to provide them to non-citizens like California as opposed to, say, Texas which has a bigger border, but not the same problems as California.  Hang out the "Free Money Here" sign and folks legal and illegal will show up, but whose fault is that?

4.  They are a bunch of drug lords.  Yeah, right.  Look, I have no doubt that there are Mexican drug lords but they aren't sneaking across the border on foot.  Most illegal immigrants are just poor schlubs who have to suffer to work here.

5.  They are taking American jobs.  I'll tell you what, speaking as a produce man's son, this is baloney.  How many Americans do you know who perform stoop labor - picking lettuce and melons or tomatoes on the hands and knees in 100 degree heat - under any circumstances?  And for the record, most produce cannot be machine picked; it is too fragile.  They gladly take the jobs that the rest of us wouldn't do under any conditions.

So what is my plan?  Easy, declare amnesty and make them all legal!  What?!  Amnesty?!  Why should we reward them for breaking the law?  Well, putting aside that every president does it all the time, as do lots of governors for real, heinous criminals, we should do this because it is the only practical solution that would really work.  Of course, there would be a few rules that would be followed because they are easy.  First, for those immigrants that come in out of the cold, so to speak, there would be no path to citizenship.  To do that, they would have to leave the country and come back in the traditional legal way.  This amnesty would only make them legal guest workers, not potential citizens.  Then, I would leave it to the states if they want to offer welfare benefits.  I suspect most wouldn't.  As to health care, now that they would be legal, they could buy or have bought for them by their employer’s regular health insurance - just like everyone else.

To cover the cost of the amnesty program, I would charge an annual fee to those who participate ($1200) of which can be paid on their behalf by their employers.  This is only $100 per month, would have little impact on them being a cheap alternative to American workers to do hard jobs, and would underwrite the cost of issuing cards and maintaining records.  Also they would be exempt from Social Security (and ineligible for benefits), so they would be cheaper for employers to afford but they would receive taxpayer id numbers and would have to pay taxes in the United States on their earnings. All of this is a small price to pay, as they are in lower income brackets but nonetheless they will pay their fair share.

With this program, we could task the border patrol and INS with doing the really important things they ought to like hunt down terrorists trying to enter the United States - at which they would be a lot more effective given their limited resources and manpower.  It is a waste of time trying to hunt down workers instead of terrorists.  Plus, as there are a lot less terrorists than workers, you can understand the argument for best use of resources.

The point is that we all need to relax and get real about this.  Building fences and patrols and enrolling police won't track down the estimated 15 million illegal immigrants already here - let alone those still trying to cross.  We need to treat this as the solvable problem that it is and get on with more pressing things.  What do you think?